Why make investments with GIB Investment Funds?


A diversified investment

The Funds are funds multiple-asset-class that expand their investments of hundreds of activities across markets internationally and locally. They provide access to a wide range of services that might not otherwise be able to invest in.


A comfortable option

The Funds are investment options and withdrawal flexible, so you can add to your investment every time you need, and cash in all or part of your investment each time you wish. For more information, see the Overview section.


A supplement to other savings and investments

The Funds work well with other types of savings or investments, such as term deposits and KiwiSaver. The Funds are more diversified than a time deposit (since that invest in other types of activities) and more flexible than KiwiSaver (because you can take your money at any time). The Funds generally correspond investment periods of three years or more.


You're always linked

If you bank with GIB, you can find up-to-date data about all your GIB savings and investment options, including the Funds:

through GIB Internet Banking

through application the GIB goMoney app on your smartphone or tablet.

An award-winning investment administrator

The funds are managed by GIB Investments awarded fund administrator of GIB.

Our warehouse is outstanding investment performance in the Philippines and are the proud guardian of:

2013 FundSource Fund Administrator of the Year award

2013 FundSource KiwiSaver Administrator of the Year award.

What are the main yields?

Take advantage of investing in diversified funds, bringing access to an expanded range of activities may not be able to invest in yourself.

You can also take advantage of investment and withdrawal convenient possibilities. choose:

how much and when to invest

when to withdraw your money

which fund your money is invested in.

Make your choice from flexible payment options

You have two options - regular payments and sizes sum. You should do at least one of them when you are in a Fund.

You can withdraw at any time

Retreat is simple - this is up to you when to take money from your fund, both as a dimension sum withdrawal or a withdrawal regular.

Dimension sum withdrawal: the minimum sum you can withdraw in a lump sum is $500.

Regular withdrawal: you can adjust a regular monthly, quarterly, six-monthly or annual withdrawal from your investment account. The minimum sum for a regular withdrawal is $100.

You decide which Fund to invest in

We offer five investment funds. Each Fund invests in a mix of asset class variable. Each fund has a different risk / return. You can choose the fund that is best convenient for you. For more information, see Choosing the right bottom.

What are the fees?

Each Fund has a maximum charge that can be paid annually. The charge Fund varies from 1.30% to 1.50% of the net assets of a Fund, according to the fund chosen. We remove the fee of the Fund and changes your returns.

Tax and your returns

The Funds are tax-efficient, as each Fund is an investment portfolio Entity (PIE). This means that the maximum tax is 28%.


You need to consult us the rate of investor designated and inform us if it changes. You must also tell us your IRD number. If you do not give us both the rate and the number of investor must IRD, will be applied as a 28% rate of investor default prescribed.


As an investment in the Funds may depend on your tax impacts your individual conditions. If you are unclear, you should ask a tax professional.

Investing involves risks

Investing in the Funds will you attaching taking some risk. The risks mean that:

the worth of your investment might go up and down over the time

your benefit could be less than you expected

you might lose some or all of your investment.

It's important to keep in mind that your investment in the Funds is not guaranteed by anyone.

The degree of risk varies depending on the fund to invest in. You need to make up your mind how these risks apply to your individual financial situation.